| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID SHORE3 | 4960 ROTHSCHILD DRIVE CORAL SPRINGS, FL 33067 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $1K | $32K | 10.81% |
| JOHN M KENNEDY3 | 6726 ENGLELAKE DR LAKELAND, FL 33813 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | — | $31K | 10.34% |
| JOHN M KENNEDY3 | 6726 ENGLELAKE DR LAKELAND, FL 33813 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| DAVID G SHORE3 | 1300 CONCORD TERR 5TH FLOOR SUNRISE, FL 33323 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| DAVID GREGG SHORE3 | 1333 S OCEAN BLVD APT 826 POMPANO BEACH, FL 33062 | PROSPERITY LIFE GROUP | $3K | — | $3K | 5.01% |
| JOHN M KENNEDY3 | 6726 ENGLELAKE DR LAKELAND, FL 33813 | PROSPERITY LIFE GROUP | $3K | — | $3K | 5.01% |
| JOHN M KENNEDY3 | 6726 ENGLELAKE DR LAKELAND, FL 33813 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.50% |
| DAVID G SHORE3 | 1300 CONCORD TERRACE 5TH FLOOR SUNRISE, FL 33323 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.50% |
| JOHN M KENNEDY3 | 6726 ENGLELAKE DR LAKELAND, FL 33813 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.50% |
| DAVID G SHORE3 | 1300 CONCORD TERR 5TH FLOOR SUNRISE, FL 33323 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.50% |
| JOHN M KENNEDY3 | 6726 ENGLELAKE DR LAKELAND, FL 33813 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.50% |
| DAVID G SHORE3 | 1300 CONCORD TERR 5TH FLOOR SUNRISE, FL 33323 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.50% |
| JOHN M KENNEDY3 | 6726 ENGLELAKE DR LAKELAND, FL 33813 | HUMANA INSURANCE COMPANY | $519 | — | $519 | 4.94% |
| DAVID G SHORE3 | 1300 CONCORD TERR 5TH FLOOR SUNRISE, FL 33323 | HUMANA INSURANCE COMPANY | $508 | — | $508 | 4.83% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | SUITE 400S 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | HUMANA INSURANCE COMPANY | $105 | — | $105 | 1.00% |
| JOHN M KENNEDY3 | 6726 ENGLELAKE DR LAKELAND, FL 33813 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $359 | — | $359 | 7.50% |
| DAVID G SHORE3 | 1300 CONCORD TERR 5TH FLOOR SUNRISE, FL 33323 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $359 | — | $359 | 7.50% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $298K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $81K |
| Vision | HUMANA INSURANCE COMPANY | 108 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 233 | $34K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 76 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $21K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $298K |
| Other(2 contracts, 2 carriers) | PROSPERITY LIFE GROUP | 233 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.